Dean Binder, Credit / FCRA Expert Witness, Binder Group Consulting

Credit Expert With Experience

Dean has 20 years of experience in the consumer credit industry including positions with Equifax Credit Information Services, one of the three recognized national credit reporting agencies, and the Fair Isaac Corporation/Fico (inventors of the FICO credit scoring system). In addition, Dean has also served as Finance and Insurance Manager at Morgan RV’s and worked with lending sources to secure financing.

Dean has a significant amount of relevant experience in the credit industry including time spent performing the following tasks at Fair Isaac, Equifax, and Morgan:

Dean gained his credit reporting experience during his time at Equifax Credit Information Services. He spent those years in various roles, including as a Quality Assurance Specialist, a Maintenance Operator, and as a Manager of a team of consumer service agents, which handled thousands of consumer contacts (both by telephone and mail) on a daily basis as part of the consumer credit dispute process. In addition, he has reviewed, modified, or corrected well over 100,000 consumer credit reports in his time at Equifax.

Dean Binder - Credit Expert Witness

While at Equifax, Dean managed the Fraud Investigation Team functions, including the dispute reinvestigation process and adherence to productivity and quality expectations. He worked closely with identity fraud victims to determine the accuracy and validity of their fraud claims. As a Quality Assurance Specialist, he was responsible for checking the accuracy and integrity of Equifax Consumer teams such as Consumer Fraud Victims, Mixed Credit Files, Credit Repair Clinics, Credit File Disputes, and CDV/ACDV processing (Consumer Dispute Verification forms.)

Dean gained his credit scoring expertise at FICO. FICO is best known for its work in credit risk score development. Their core product, the “FICO” Credit Score, is widely known in the consumer credit and lending environment and is by far the dominant credit risk score used in the financial services industry.

In addition to his time at Equifax and FICO, Dean has worked as a lender as a Finance and Insurance Manager at an RV dealership. He was responsible for working directly with lenders to secure financing for consumers purchasing large ticket recreational vehicles. His duties included pulling and analyzing credit reports and FICO scores and matching applicant credit risk with the most appropriate loan product, given the consumer’s credit history and score.

To date, Dean has been retained by Plaintiffs and Defendants in nearly 100 consumer credit cases.

Publications:

FiLife.com – By invitation, served as a credit expert for a personal finance website called Filife.com. FiLife is an IAC/Dow Jones joint venture.

The New York Times – By invitation, served as a Credit/Credit Score blogger for NY Times.

Certifications:

Twice FCRA Certified by the CDIA (Consumer Data Industry Association)

Recent cases include:

  • Jensen v JP Morgan Chase & Co U.S.D.C., S.D. California.
  • White/Hernandez, et al. v. Experian Information Solutions, Inc. et al. U.S.D.C C.D or California, Class Action
  • Johnson v Macy’s Retail Holding Inc. Gwinnett County Civil
  • John R. Gilbert v TruWest Credit Union U.S.S.C State of Arizona
  • Tom Gallaway v Dell Financial Services State of South Carolina
  • Nicholas Hariton v Chase U.S.D.C Central California
  • Chase v Frank Severino Circuit Court of the Seventh Judicial Circuit, in and for Volusia County Florida
  • Judy D. Wright v. TransUnion, LLC, Equifax Information Services Civil Action
  • Nagy v Standard Insurance Co, U.S.D.C Central California
  • Wells Fargo v. Cherveny, U.S.S.C New York
  • Jestes v Saxon Mortgage, U.S.D.C Central Nashville
  • Domercant v State Farm, U.S.D.C. Northern District of Georgia Atlanta Division
  • Noe v Metropolitan General Insurance Company, U.S.D.C. Northern District of Georgia Atlanta Division
  • Appel v PNC Bank, Experian, and Equifax, U.S.D.C. Middle District of Florida Tampa Division
  • Fregoso v Professional Collection Consultants, U.S.D.C. Central District California
  • Haskett v Experian, U.S.D.C Eastern District of Texas
  • Wallace v J.P. Morgan Chase Bank, Superior Court of California in and for the County of Stanislaus
  • Foley v Bank of America and Wenonah Village Homeowners Assc, Second Judicial District, New Mexico
  • Damore v EMC/Citibank, Ninth Judicial Circuit, Florida
  • Dutton v Wells Fargo Bank, District Court Creek County, Oklahoma
  • Parker v Bank of America / BAC Home Loan Servicing, U.S.D.C District of Columbia, Class Action
  • Guin v Chase Home Finance / JP Morgan Chase, U.S.D.C Northern Mississippi
  • Myslis v Bank of America,NA
  • Tabata v CAMC (Charleston Area Medical Center) Civil Action Circuit Court of Kanawha County, West Virginia, Class Action
  • Doty v Associated Bank-Corp, U.S.D.C Eastern District of Wisconsin
  • Rymer v USAA, Circuit Court of the 18th Judicial Circuit in and for Brevard County, Florida
  • Best/Snapp v Bluegreen Corp; Equifax and Experian, U.S.D.C Southern District of Florida, Class Action
  • Belton v GE Capital Lending aka, GE Money Bank, U.S.B.C Southern District of New York
  • Guttieres v Equifax Information Services, LLC U.S.D.C Southern District of Florida Miami Division
  • Byrum and ATI JET, INC.v Wells Fargo Bank NA, U.S.D.C for the District of Colorado
  • Aurora Loan Servicing v Lewis, Circuit Court Leon County, Florida
  • Kuns v Ocwen Loan Servicing, U.S.D.C for the Central District of California
  • Morgan v Equifax/Experian/TransUnion and West Asset Management Inc, U.S.D.C of Maryland Baltimore Division
  • Smith v Equifax/Experian/TransUnion and Navy Federal Credit Union, U.S.D.C of Maryland Baltimore Division
  • Murray v Equifax/Experian/TransUnion and J.P. Morgan Chase, U.S.D.C of Maryland Baltimore Division
  • Alley v. Verizon Wireless Telecom, Inc. for the District of Maryland, Baltimore Division,
  • George and Pamela Shedd v. Wells Fargo Home Mortgage. U.S.D.Cfor the Southern District of Alabama
  • Emery v. Wells Fargo Bank, N.A. in the United States District Court for the Western District of Missouri
  • Johnson v Sliver State Schools Federal Credit Union’s, U.S.B.C District of Nevada
  • Sandras v Bank of America, U.S.D.C for the Eastern District of Louisiana
  • Henderson v. Ocwen Loan Servicing, U.S.D.C for the Eastern District of Louisiana
  • Barakat v. Equifax, Experian, TransUnion, and Capital One Bank, U.S.D.C, Eastern District of Michigan Southern Division
  • Zorba v. Experian Information Solution, U.S.D.C for the Northern District of Illinois
  • Rossignoli vs Seneca Mortgage Servicing and Experian Information Solutions, U.S.D.C for the District of Nevada
  • Watts v. Equifax, Experian, TransUnion and Capital One Bank, for the United States District Court, Eastern District of Michigan Southern Division
  • Belsanti v. Equifax, Experian, TransUnion, Capital One Bank, and Chase Bank, for the United States District Court for the District of Arizona
  • Manufacturers and Traders Trust Company v. Client Server Direct, Inc, State of New York Supreme Court
  • Rajan Patel v. Discover Bank, before the American Arbitration Association No. 07-16-0005-1850
  • Demeta Reyes, individually and on behalf of all others similarly situated v. Experian Information Solutions, U.S.D.C Central District of California, Class Action                                               
  • Valerie Doerpinghaus vs. Randy Doerpinghaus, Case Number D470198 in the District Court, Family Division Clark County, Nevada
  • Kara K. Browning / Kamp / Presson v. Sterling E. Browning, Cause Number 12SL-DR08202 in the Circuit Court of the County of St. Louis, State of Missouri
  • Rajan Patel v. Discover Bank, before the American Arbitration Association No. 07-16-0005-1850
  • Anysia V. Tin v. Medicredit, Inc., in the United States District Court for the District of Maryland Greenbelt Division, Civil Action 8:16-cv-3737
  • HSBC Bank USA, N.A. v. Shawn Samson, et al. – Index No.: 35673/2015E
  • Brendan Tully v Republic Franklin Insurance Co., in the United States Superior Court, J.D of Hartford at Hartford, Docket No: HHD-CV-17-6079169S         
  • Narendra T. Dindiyal v. Experian Information Solutions, Inc. and TransUnion, LLC in the United States District Court Southern District of Florida, Case No: 17-cv-61957 
  • Nahid Noori v. Bank of America, United States District Court Central District of California, Case No 2:15-cv-01467-AB              
  • Louis A. Cardinali v Experian Information Solutions Inc., U.S. District Court of Nevada, Civil Case No 2:16-cv-2046-JAD-NJK.
  • Robert M. Schwartz v. Tesla Motors, Inc. and JP Morgan Chase., in the American Arbitration Association, Case No 01-17-0006-2997.
  • Michael Korman vs. Experian Information Solutions, Progressive Management Services and USCB America in the United States District Court for the Central District of California. Case No 8:18-cv-0024-AG-KES
  • Matthew Sponer v. Wells Fargo Bank, United States District Court of Oregon, Portland Division, Case No 3:17-cv-2035. 
  •  Albert Samia v. Experian Information Solutions Inc; Trans Union LLC; Compass Bank; USAA Federal Savings Bank; BMW Financial Services; and   Bank of America; United States District Court Southern District of California, Case No: 21-cv-1015-W-WVG
  •  Beatriz Anzaldo v Wells Fargo, United States Bankruptcy Court, Southern District of California, Case No. 19-00882-MM7
  • Phillip Traulsen v. Ephrata Trucking, Superior Court of the State of Washington for King County, Case No. 19-2-20293-9 SEA
  • Luyi Zhang, v. TD Auto Finance, LLC, Progressive Select Insurance Company, Experian Information Solutions, Inc., and TransUnion LLC, In the United States District Court, Southern District of Florida, Ft Pierce Division. Case No 2:19-cv-14362-JEM
  • Tiffany Grays v. Navient Corporation, Navient Solutions, LLC., in the United States District Court of Colorado
  • Morgan Tyler Bell v. Hooks Title and Abstract Company, Priority Bank, FSB, TWFG Insurance Services, Inc., and Bobby Counts, In the District Court of Jefferson County, Texas, 172nd Judicial District. Cause No E-201633
  • Narendra T. Dindiyal v. Experian Information Solutions, Inc., in the United States District Court Southern District of Florida
  • Sung Gon Kang v. Credit Bureau Connection, Inc., in the United States District Court, Eastern District of California, Case No 1:18-CV-01359-AWI-SKO
  • Tiffany Grays v. Blackhawk Acquisition, LLC; d/b/a ProMax LLC.; d/b/a Dealer Marketing Services collectively (“ProMax”) and Shane Born, Civil action No. 20-CV-00451-GPG in the United States District Court of Colorado
  • Michael Johnson vs. Chase Bankcard Services, Inc., in the United States District Court Middle District of Florida Orlando Division, Case No 6:19-cv-02252-CEM-LRH
  • Ann Marie Attridge v Colonial Savings F.A., in the United States District Court for the Western District of Texas San Antonio Division, Case No: 5:20-cv-205-OLG   
  • Christopher A. Williams v. Goodman Distribution, In the Circuit Court of the Third Judicial Circuit, in and for Columbia County Florida, Case No 14-158-CA 
  •  Justin Sawyer v. USAA Federal Savings Bank, In the United States District Court Middle District of Florida Tampa Division. Case No: 8:20-cv-02649-SDM-TGW   
  • Brian R. Walker v. Home Point Financial Corporation, Experian Information Solutions, and Equifax Information Services. In the United States District Court Middle District of Florida Tampa Division. Case No: 8:21-cv-01916 
  • Genaris Haston v. Gold Coast Federal Credit Union, et al. In the United States District Court Southern District of Florida. Case No: 9:22-80004-CIV-SMITH
  • Daniel Eugene McCants, Sr. and Tracy Knox McCants v. Dovenmuehle Mortgage, Inc., and Village Capital & Investment LLC. In the United States District Court, Western District of Texas Waco Division. Case No. 6:21-cv-00129-ADA-DTG
  •  Noah Ford v. I.Q. Data International, Inc., Kris Graafstra and John Doe, in the United States District Court for the Western District of Washington. Case No: 2:22-cv-01791 TSZ
  • Frederick H. Miller vs. Navy Federal Credit Union and Experian Information Solutions in the United States District Court Southern District of Florida. Case No: 23-CV-80644-Rosenberg
  • Nathan R. Span vs USAA Federal Savings Bank; in the United States District Court for the Eastern District of Virginia. Case No: 1:23-cv-753
  • Chandler Matlock vs. Pennsylvania Higher Education Assistance Agency; Wells Fargo Bank and Equifax Information Services in the United States District Court Eastern District of Pennsylvania. Case No: 2:22-cv-04778
  • Samuel Baird and Kathleen Baird vs. National General Holdings Corp., Healthcare Solutions Team, LLC, and Mark P. Burns. In the Circuit Court of the 19th Judicial Circuit in and for Martin County, Florida. Case No. 2020-CA-000336CAAXMX
  • Eduard Gladyshev v. Experian Information Solutions, Inc., and Navy Federal Credit Union; in the United States District Court Eastern District of New York. Case No: 1:23-cv-1405-ENV-PK
  • Monique Hesselbrock vs. I.Q. Data International, Inc.; in the United States District Court Central District of California. Case No: 2:23-cv-02169-FLA
  • Saran Nuth and Kevin O’Neill, vs. Newrez LLC dba Shellpoint Mortgage Servicing; in the United States District Northern District of California. Case No: 4:23-cv-03476
  • Christopher Schmidt v. Bellco Credit Union; JAMS Arbitration (JAMS Case No. 35422).                                      

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